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DCPD Makes a Big Difference in the Cost of Basic Insurance, Especially for Young Drivers!

Apr 11, 2022 4:27:17 PM

The Direct Compensation for Property Damage (DCPD) system is making a big difference in the the cost of 'basic' insurance, especially for young drivers!


With DCPD, drivers deal with their own insurers to cover vehicle repair costs if they are not at fault in collisions. It’s a fairer and more customer-focused approach to insurance claims and vehicle repairs, and is used in most Canadian provinces.

If you're looking to buy a new vehicle (especially if you're a younger driver), we encourage you to hop on the site: “How Cars Measure Up.” The property and casualty insurance industry gathers data on the number and cost of collisions, as well as comprehensive, direct compensation property damage (DCPD) and accident benefit claims for the most popular Canadian models of vehicles.

The results show drivers an accurate picture of how collision and other claims may affect the cost of their auto insurance for particular makes and models of cars. This can act as a great guide when young drivers are car shopping!

For more information on DCPD, please visit the Insurance Bureau of Canada’s website, which has downloadable documents including an FAQ sectionsample DCPD driver profiles, and the Top 10 things to know about the DCPD system.

Gina Schopfer

Written by Gina Schopfer


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